About Us

Our Philosophy

Based on helping community banks

For over a dozen years we have been independently helping community banks and bankers based upon three guiding principles and unique strengths.

Bringing "big bank" tools to community banks

Solutions focused on simplifying complex issues

Using data to build profits

Our view is that on a level playing field community bankers can successfully compete with anyone. Our job is to help you level that field.

Howard Lothrop

CEO and Founder

I'm a bank consultant who helps community banks and bankers improve their performance.

I work with community bank execs who are brilliant at what they do, but want to get better at building profits, reducing risk, and improving their ALCO process.

I'm experienced in all areas of data analysis, interest rate risk hedging, asset liability management, and interest rate derivatives pricing and structuring, particularly as related to banking. Specialize in applying modern tools of finance in a community banking environment.

On the personal front, I'm married to the wonderful Laura, we have 5 daughters, and a very busy but happy home. I also suffer from being a fan of the Memphis Tigers and the Pittsburgh Steelers.